A Great Place To Visit For Business Or Vacation!

Tallinn, the capital of Estonia, is well known for her fully preserved medieval Old Town and a pulsating nightlife. Recently many stylish places for eating and drinking have sprung up in Tallinn, many of them offering decent quality food, and it is not hard to find a place for dancing. Those who travel out of the city will get acquainted with our beautiful countryside (for instance, Estonia is known as the land of 1000 islands), the long seashore, the picturesque Baltic German manor houses etc.
And there are not many cities whose face is designed by the 21st century rather than the 18th or 19th.


Tallinn is situated in Northern Europe in the northeastern part of the Baltic Sea region. Its unique position between the high-tech Nordic countries and Russia, which her huge natural resources as well as an enormous market, has made the city an attractive place for investors from all over the world. Foreign investments into Estonia amounted to 189.7 billion kroons as of June 2004, making Estonia the most successful country in Eastern Europe in this respect.

Distances from some European cities (by plane):

o Helsinki 82km

o Riga 280km

o St Petersburg 315km

o Stockholm 380km

o Copenhagen and Moscow 860km

o Berlin 1030km.

Tallinn Top Culture Events

The top summer event in Tallinn is the Old Town Days in the first week of June; in December the Black Nights Film Festival brings the best of the year’s European films to Tallinn, and there are a lot of other annual cultural events like Jazzkaar, Orient, NYYD, and more.

Economic Life

About half of the GDP of Estonia is produced in Tallinn (and its Suburbs) and more than half of the foreign-owned companies reside here. The economy is boosted by close relations with Finland and Sweden and a liberal economy that is favorable to foreign investments. Rapid development of the communications infrastructure has created a situation where mobile technologies and the Internet are used more widely than in some larger and wealthier EU countries (e.g. Internet banking is used by more than 10% of the population, active users of the Internet are more than 50% of the whole population, every second Estonian has a mobile phone etc,
e-government and e-tax system are working etc). The projected economic growth for this year is 5.9% The GNP per capita Estonia in 2004 was 40% of the EU average (39% in Lithuania, 34% in Latvia).


Tallinn has about 400,000 inhabitants, half of whom are Estonians 40% Russians and 10% other nationalities. You probably didn’t know that there are over 120 nationalities living in Estonia. The major ethnic groups are Russians, Byelorussians, Ukrainians, Finns, Tatars, Latvians, Poles, Jews, Lithuanians, Germans and Armenians. Basically every third inhabitant of Estonia speaks some other language.

Short History

o 10th century: ancient Estonians have already established the central trading point on the coast of the Gulf of Finland.

o 1219: Northern Estonia is conquered by the Danes. led by King Waldemar 2nd, who later establishes a stone castle at Toompea -multinational town grows around it.

o 1248: Tallinn acquires town rights.

o 1219-1346: the Danish period. A network of streets is formed inside the town wall, with a guild house, churches and convents, warehouses and defense buildings.

o 1347-1561: the Livonian Order acts as the sovereign; the building of the Old Town with its principal stone buildings is completed.

o 1561-1710: the Swedish period Tallinn’s trading success has faded because of long lasting wars.

o 1710: Tallinn capitulates to the Russian Army (Great Northern War).

o 1857: An important evolution in the town’s development was caused by the loss of stronghold status and the building of a railway connection to St Petersburg. Rapid industrial development begins, resulting in the swift growth of the town.

o February 24. 1918: the Estonian Salvation Committee declares the independent democratic Republic of Estonia. The new government immediately has to organize a defense against the attacking Russian bolshevist troops and the Estonian War of Independence begins. It ends in 1920.

o 1920: Tallinn becomes the capital of the independent Republic of Estonia.

o June, 1940: Soviet troops occupy Estonia, abolishing its independence and establishing Soviet order.

o 1st August 20, 1991: the Supreme Soviet of Estonia declares re-establishment of the independence of Estonia based on legal continuity.

o August 29. 1994: the last troops of Russian army are withdrawn from Estonia. The Second World War has come to an end for Estonia.

o May 1. 2004: Estonia joins the European Union.


Stories and Storytelling are Good for Business

How do we convince the business world that a good story holds more power and is more memorable than hearing and/or reading a descriptive paragraph that relates to an accomplishment, a procedure, a product, etc.? This became so evident recently when I was part of a committee judging nominations for the Regional Company and/or Organization with the Best IT (Information Technology) Training Program.

There were several criteria that we were to grade. The nominees had been asked to write a 250 word paragraph for each of the seven criteria). Most of the criteria were straightforward and asked for descriptions. I could hardly wait, however, until we reached the final one: “Do you have any great Success stories?”

You can imagine my disappointment to find that only one of the nine nominees told us a story. The others blabbed on about profits and accomplishments, etc. The one with a true and moving story — about a young man who was helped by the training to get a job and a scholarship that turned his life around — won our vote. The sad part is that I know that every one of the companies or organizations have plenty of success stories. They just don’t know how to tell them. What is the solution?

First, don’t call it “storytelling.” Even though publications all over the nation — and even the world — are writing about the companies, organizations and trainers who are making use of the power of storytelling, very few of the upper echelon will react well to our telling them that they need “storytelling.” So many people have the wrong perception of what storytelling entails. They think it is a quaint event that is performed for children in schools or the local libraries.

We can tell them that the World Bank now uses storytelling for information sharing, and that a company called EduTech produces a publication called ASK for NASA that consists of employee stories. Todd Post, editor, writes, “The success we’ve had with it (ASK) has allowed us to examine our own problems holding onto knowledge. Right there in front of our noses was a successful model to emulate.” They then created What You Know, which is EduTech’s own storytelling magazine.

We have to use all of our imagination to work storytelling into meetings, marketing and every day encounters. We all know that the stories are there. I suggest taking a small notebook to work or to a company you know well (you may do some freelance work for them or know others who do) and start writing down the casual stories you hear at the water fountain, on the way to an appointment, at lunchtime and in the elevator. Start asking those who have worked a long time at the company/organization about the history — how it was when they were hired and why they have stayed there. When awards are presented, interview those who receive them — get the full story.

What great success stories does your business have? Start making use of their power and you will be amazed by how quickly the word travels.


Internet Marketing Ideas To Produce The Best Landing Page For Your Internet Business

As you are interested in internet marketing and making your internet business as profitable as possible then you must take a look at your landing page and what makes it work. This landing page is the most important aspect of your online business opportunity and will make the difference between you succeeding and failing. Utilising tried and test online marketing techniques should be at the forefront of your campaign and by using these techniques you will boost your online conversions and internet business opportunities.

When a web user clicks on your web link from a paid or organic search listing they should be directed straight to your landing page. This landing page should include some fundamental things in order to increase your chances of that user converting. An internet business should continually be adapting to new marketing and online techniques and a landing page is no different, utilising new media will keep the web user interested and increase their likelihood of converting through your holding page. We will now look at the last few online marketing techniques that should be incorporated into your landing page in order for your internet business opportunities to grow.

  1. Offer a free promotion, if you have a product or service that you can offer for free in exchange for the web users email address or name then this is the best way to generate a mailing list. A lot of internet marketers use this technique to generate their email list and grow their online business opportunity. If the landing page is actually selling your product then add bonuses if they buy it, by maybe offering additional products for half price. The more your offer the web visitor at your price level then the more value your create for them and your online business.
  2. Time limit and limited offers, create a sense of urgency for the product or service with an offer for a short time period. Another option is to only give the product to the first few registrants. Both of these techniques have been used successfully to generate internet business opportunities and to convert visitors into cash. These techniques create an urgency for the visitor and encourages them to buy at this point in case they miss the offer. Through research and testing you will be able to identify these time frames and what best works for your web visitors and your internet business.
  3. Payment options, the landing page should offer multiple ways in which to purchase your product. Many marketers only offer one way, but times are changing and visitors have their preferred way of buying online so offering what the web visitors need is your responsibility as an online marketer and to make your online business opportunity work. You must offer the web visitor multiple options like credit/debit card payments, bank transfer and PayPal.
  4. Testing, you may have set up an internet business, and landing page, and it may be doing ok, there is always room for improvement and this is through testing your landing page. Testing an tweaking your landing pages is the only way in which the internet business opportunities will grow and tell you what your web visitors are doing. It will teach you trends in the market, whether it be location, age demographic or seasonal.

Producing a great landing page is essential to your internet business and online marketing. Set up a basic page and test it until you get the visitors converting, it can take time, so don’t give up because there is a huge amount of money to be made online.


Small Business Management – De-Motivated Employees Are Bad For Business

People leave their employment for a number of different reasons and it cannot always be prevented, but if high staff turn-over is due to unhappy employees jumping ship, then it is perhaps worth considering what can be done to change the situation. A successful business knows how to keep its best staff on board long term. Contented, motivated workers are productive workers and they tend not to leave on mass from a work place in which they are happy, so when a mass exodus of your workforce does occur, it is a sure sign that you are doing something wrong.

The reasons unhappy employees usually give for leaving tend to boil down to too much of the bad stuff and/or not enough of the good stuff:

Being Underpaid.

Keep salaries competitive; if someone else will pay one of your valuable employees more to work for them, what incentive for loyalty does that employee have? Pay fairly and if you do value an employee reflect this in their salary. Also, keep wages confidential, not all staff are worth the same and allowing them to know this will create a very discontented workforce.

Being Over-worked.

Respecting that employees have lives outside of the work place will go a long way to keeping them happy; paid holiday time, compassionate leave and sick days should of course be standard, but remember also that enforced overtime or expecting weekend or bank holiday working will cause staff to feel put-upon pretty quickly; you cannot compel employees to become invested in the business, this has to come naturally if at all. Most employees will not unreasonably expect to work only the hours that they are contracted to.

Being Under-valued.

Value your workforce not just with good wages and reasonable working hours, but also with trust; micro-managing staff will cause them to feel uncomfortable and is certain to produce far from their best work. Showing your employees just how important they are to the success of the venture is more likely to ensure that they commit to your business and stick around, as well as going that extra bit further to produce results.

Going Nowhere.

Dead-end jobs often produce dead-end employees, or good ones that seek to move on to greener pastures as quickly as possible. Always promote from within as it encourages employees to see a future with your company; if they feel that they are likely to advance within your firm, it also makes them strive for better results in order to be noticed.

Job Insecurity.

Particularly in today’s worrying economic climate job security is a pretty big issue with most people; of course it is impossible to offer complete job security to anyone, but reassuring your staff that they are a priority and keeping them in the loop as much as possible helps people to feel that their jobs are as secure as they can be.

Keeping staff happy and motivated is simply about treating employees as you’d want to be treated yourself in their place and keeping them contented is the best way to keep them on board for a stable work environment.


Should I Contact Banks For Debt Settlement?

If you are one of the many individuals trying to cope with debt, you may want to consider debt consolidation. In recent years, there have been several of these services that have surfaced. While some of these companies are legitimate, many may not be. For this reason, some may advise that the consumer avoid settlement companies. The idea is that the individual contact the bank in an effort to settle. However, this may not always be the best avenue.

Often times, the bank will work with the individual but they may not be as flexible in terms. More times than not, the original lender will only accept the discounted amount owed if the individual can pay in a fairly quickly manner. They may only allow for short payment installments, sometimes between one and three. This does save the consumer, but many in this situation do not have the means to produce this type of cash flow. It’s not as convenient as some would believe.
In addition, some services may not only reduce interest but eliminate it entirely while the consumer is paying back the amount owed. The majority of banks will not offer this option to most individuals. You may actually be saving even more by hiring a service to negotiate on your behalf.

Debt settlement services can be a legitimate way to get finances in check. A qualified specialist works with the individual to create a repayment plan that will suit their budget. The length of time it may take to pay off balances may depend on the amount of owed and how much can be paid monthly.

Avoid being scammed. Check the companies credentials and see if they are listed with the better business bureau. You should also be able to access a “live” person to answer any questions or concerns. It is never a good idea to pay for services before you receive them. Finding a legitimate service is often all that it takes to get finances back in order.

By the way, by researching and comparing the best debt settlement services [http://www.bestdebtsettlementservices.com] in the market, you will be able to determine the one that meet your specific financial situation. Nonetheless, it is advisable going with a trusted and reputable debt counselor before making any decision, this way you will save time through specialized advise coming from a seasoned debt advisor and money by getting better results in a shorter span of time.


A Different Solution for Business Inventory Financing

We feel sorry for you. Your firm is not in the service industry. They are the lucky ones with respect to inventory financing – there is no inventory! Unlike your business, which produces goods and carries inventory to meet customer order needs your services firms have no storage requirements!

If your firm has an investment in inventory then financing for that asset is often, if not always, vital. Financing via bank credit lines for the inventory component of your balance sheet is always difficult, if not in some cases impossible. Most business owners and financial managers know that of your two major current assets ( receivables and inventory ) that banks prefer receivable, aka a/r financing.

So how do you finance your inventory, and what are the requirements to get such a facility in place? The reality is that every business is different and your firm will have different categories of inventory – most commonly they are raw materials, work in progress, and finished goods.

Inventory financing in Canada is most often financed under an ABL facility. What is ABL is the next question our clients always ask. The acronym stands for asset based lending, and is a specialized type of financing that is mostly carried out by non bank institutions. Facility sizes tend to range from 250k and up, as it is not really economical for all parties (you and the lender) for finance amounts much under that.

Your ability to control, report, and purchase inventory most economically are key drivers in an inventory financing decision made by your inventory financier. Your ability to monitor, stock, and produce and bill and collect are the basic requirements for an inventory financing facility. We would point out that in many cases this facility also includes a receivable component, because, as we all known, inventory flows into a receivable which flows into… dare we say it… cash!

If you are unable to finance your inventory properly you can very easily get into what can best be describe as a ‘ cash trap ‘- and that’s not a good trap to be in. Typically each one thousand dollars of inventory on hand can cost you between 150 and 250 dollars per year when you take into account some obvious and not so obvious factors such as financing costs, storage, handling, insurance, and deterioration of the inventory which by its necessity forces you to do an asset write down.

The irony is of course that you can have too much inventory or too little, it’s a balance act.

When you arrange inventory financing you want to ensure you have reasonable levels of product – so you need to focus on both financing cost and order costs.

If you have inventory financing fast efficient turns are potentially more possible and you annual carrying costs can be dramatically reduced- don’t forget that the cash you invest in inventory could be put to work elsewhere and in many cases earn, for example, at least 12% more in profits. That’s a very typical number for a manufacturer.

Financing inventory is a challenge – you want to be able to take advantage of volume discounts, but at the same time limit your investment in inventory while satisfying customer order needs. Whew! That’s a real teeter totter don’t you think?!

Speak to a trusted, credible and experienced business financing advisor who can guide you through inventory financing in a manner that supports your business and industry. Beating the inventory financing challenge is a solid financial accomplishment.


7 Guaranteed Steps For Business Success

Whatever business you are in, if you are going through tough times as many businesses are at the moment, then this article will be of value to you. Whether you are selling a product or service, the first thing you got to do is get excited again. Look, whether you go out on the road meeting your clients or you sell over the phone, etc, you need to really elevate your level of excitement. Look, people are totally snowed under with negativity from the press, and generally in these economic times, from every angle possible.

They are used to sales people and their friends talking negatively. Here is where you can have an edge with your business. Approach everyone you meet with massive positivity. Ok, you are going to be asked where the positivity is coming from and you merely answer that you are massively grateful for all the things you have in your life. You are massively proud of your family, for example, your children, your business, etc. People will be naturally curious and I promise you that your positivity will rub off.

People want to be around positive people who have a can do attitude. By you selling yourself in this way, you are already making a statement that you are going to be a reputable positive person in this person’s life whether they give you business or not. Attitude for me is the most important word in the English dictionary. Your attitude will determine how other people react to you. If you have a negative attitude with a prospective client, he will react negatively and depending on how long the conversation lasts for, you will actually will have made him feel that there is no work out there. Talk about a bad plan!. Your job as a business hunter is to fill your prospects up with positivity, you will get it returned and if you do the numbers, it will not be long before sales start coming in regularly.

The second point ties in with the first point in that you must feel good about yourself. A great way to change how you feel about yourself is to repeat affirmations every morning. Continuously tell yourself that you are smart, creative, a brilliant sales person etc. Our job here is to make you bullet proof. Remove the words, I should, I can’t, I will try, etc. All these phrases convey doubt and fear. Remove them and start repeating those positive affirmations daily. People want to do business with positive, confident people who know where they are going in life. Turn up to your customers in your best attire, drive an expensive car. You are an excellent human being and you deserve every bit of success you get. Let your customers see this. Immediately their sub-conscious will feel an element of class and value about you. As if to say, “This person certainly is successful so I don’t think I would be making a mistake by doing business with him”. You are the man my friend and ultimately they will agree with you and give you their business.

Thirdly you need to stand for something. The best sales people in business have immense influence over their customers. They stand for quality, integrity, honesty but they will never let themselves be undermined by a customer. When this happens, a truly successful business person will drop the client immediately. You have core values my friend and because of those values, you have attracted outstanding clients. Never let your standards drop both in how you treat your customers and how your customers treat you. If you do this, all that will end up happening is that you will start firefighting because you left the path of true success. Never give a sucker an even break. People want to do business with professionals. Always maintain your professionalism.

Another vital point in being successful in business at the moment is being committed. How committed to your business?. If you have a what if attitude, you might as well stop now because any doubt you have on whether you can build this business will be found out in these uncertain times. You will let it leak when you are having a conversation with a prospect for example and the moment when you express that you may not be in this for the long haul, your prospect will lose interest. Straight away you have lost certainty. You must commit and this must be done at the outset. If one is not truly committed, they will quit when the going gets tough. Winning in business in terms of commitment is very similar to having a successful marriage. You must commit 100% and when you do, you will be rewarded with extra courage when the going gets tough. There is so much power in your words. Never talk about lack or being non committed.

Another great point for selling especially when you are face to face with a prospect is to treat him as if he is the most important person in the world. Look, everybody now especially as we have this global crisis are only interested in themselves. They have their own problems and as far as they are concerned, everybody else’s problems are their problems. Let You be the change away from the norm here. When you are with a prospect, never talk about yourself. Only ask questions about the welfare of your prospect and his family. Expert sales people here use the peel the onion technique. What you do is question every answer your prospect comes back with. Eventually he will lead you if he permits to the real problems and dilemmas in his life and business.

If you can always be encouraging and even often solutions to him at that point, you have made a friend for life. I say this, because most people in society don´t open up to each other. When you open up to someone, you feel as if you have given them something of yourself and then if they want to help you, even better!. This method is really powerful in sales and its scientifically proven that there is an element of control involved when this peel the onion method works. So treat all your prospects as if they were the most important person in the world. Get to their pain. Find out exactly how they could do their job better and provide the solutions but you need to really listen here. You will be laughing all the way to the bank with new sales. Become the problem solver.

Another key is priorities. Although this is a business article, i think you should put business in its rightful place. For me, God comes first, my Family comes second and business comes third. I do not see the value in being successful in business without a good spiritual and family life. Business becomes easier when you strive to have a great relationship with your partner, when you strive to have great kids, etc. Its all about being committed, and the more committed you are in every area of your life, the more success you will have and the more fulfilled you will be.

Ultimately in my opinion, i have left the most important point until the end. For me its all about desire and will to win. You see, all types can have success irrespective of race, gender, qualifications, etc but when you cut these people open, you will find a common theme, you´ll find the heart of a champion. These people are comfortable with failure. Thomas Edison before he invented the Light Bulb failed 10000 times. If you asked him, he would say that those attempts were the attempts needed to produce the night bulb. He would never call them failures, they were simple work in progress. You must have mental toughness, you must be able to get through the tough times. You need to be more positive that your competition, more committed, hungrier for business, must work harder. You must invest in yourself and your business more than your competition. I’m talking about 100% commitment which is being a leader in your field. If I arrived at your business tomorrow, I would know within an hour whether a Leader is running this business or a person who has a what if attitude.

Forget about almost, what if, should, can’t, try, all these negative words. If you are looking to build something that you want to pass onto your kids, if you want to build something that you can be proud of, well then do it right. Be 110% committed. There is no other way. The only place success comes before work is in the dictionary. I hope you got value from this article and I sincerely wish that you follow your dream and become a massive success with your business. Remember, True Leaders never make excuses. All they make is money and build legacies because they have tunnel vision for their businesses. Your behavior ultimately will determine your success, not what you say. Leaders get it done, failure always have excuses. God Bless.!


Best Strategies For Business Growth and Merchant Funding

zIf you’re looking to encourage the growth of your restaurant business, then there are a number of strategies that can help you skyrocket your profits – but none are as effective as getting the capital you need through merchant funding. It’s amazing at the significant difference that can be done with $10,000, $50,000 or even a $100,000.

The problem is getting the restaurant funding in the first place!

Despite reports that lenders are starting to pump loans back into the economy, owners of small businesses like restaurants and cafes have yet to see these hopeful signs of economic growth. Given that lenders and banks are still withholding merchant funding, what methods remain as the best strategies for business growth?

Strategy One: Go into business with another restaurant with a similar culinary theme as your own. Going into business with a partner can significantly reduce your operating costs while effectively expanding your name and reputation. However, it can be a challenge to enter into business with another partner, so this might not be the best option for those with a unique vision or business plan.

Strategy Two: For those who have time on their plate, waiting just a couple of years to apply for a bank loan can make a difference. However, many restaurant owners don’t have the luxury of extra time, and might need immediate restaurant funding in order to produce profits that will have them sailing consistently into the black.

Strategy Three: Get a merchant cash advance! For those restaurant owners who might not otherwise qualify for traditional loans (and these days, who does?), a merchant cash advance can provide the restaurant funding needed to expand, renovate or buy equipment. Instead of paying a fixed monthly amount, repayment is based on monthly credit card sales, so you’ll never feel the strain of making a payment that exceeds your month’s profits. Merchant cash advance providers also have flexible lending criteria: all you need is up to a year of credit card sales receipts and proof that your business isn’t bankrupt or in arrears.


Why Pursue a Degree in the Banking and Business Concentration?

There are four good reasons why you are pursuing the banking and finance concentration at a university that you should state in your essay when applying for the scholarship offered by a university. Firstly, you should state that the university is the right university to study majoring in banking and finance seeing from the important positions, jobs or business the graduates the university has produced hold, most of their graduates hold important places in many countries who are considered to be successful leaders in the countries and who ignites the country’s future leaders.

Secondly, you are expected to acknowledge, based the information you have got, the university stands for access to an internationally recognized education which is possible and accessible to students studying in your own country, the teaching philosophy is centered upon inquiry, exploration, innovation and communication, and it provides students with an opportunity to learn from some of the best academic minds in the country and the world. You could also mention that the university is the only university that offers an internationally recognized curriculum that allows students to earn a globally recognized degree from over most world universities.

Thirdly, when you get a degree in banking and finance from the university there will be a lot of opportunity and benefits to work in the field. When you graduate from the concentration, there will be great opportunities for you to choose as your future career. You can work as a banker, finance analyst, stockbroker, security sales representative, financial analyst, investment banker, commercial banker or fund manager or entrepreneur, etc, to name but a few. You will be able to easily get work in these two very important sectors in the economy of a country like yours. There are many opportunities you can get when you are employed in any of the two sectors, they are everywhere in very country so that is why you are very interested in working in the field.

Fourthly, the banking and finance career is really challenging, it is challenging because you can have the opportunity to develop your career continually. When you work at in any established bank and business both local and international such as American Bank, City Bank, World bank, etc there will always be continual development career training to follow in order to develop yourself to be qualified in the field for obtaining a professional qualification.

Lastly, you are pursuing the degree in banking and finance is because the salary and benefits you would deserve are better than when working in other fields or sectors. Besides, when you become entrepreneurs, you would be able to help create jobs for other people to develop the economy of the country where you live.

Burning Bridges Creates Obstacles to Smooth Traveling for Business Startups

Before you give up your career and order those cards for your spanking brand-new business startup, think twice.

The fact is financial success in a new business startup may take a while. If you can transition, rather than jumping without a parachute, your bank account will thank you.

First, let’s go over the major “career paths’ you can choose to earn a living. They are:

1. Employee

2. Self-Employed

3. Business Owner

As an Employee, you are hired to perform a specific role in a company. Many jobs allow you to leave your work at work, and spend your free time with your family, without worry. You also may receive great benefits, like healthcare, retirement plans, and most importantly, paid vacation.

If you are considering stepping out of the role of Employee, you need to make sure that your dissatisfaction with your job is not job-related. What I mean by that is, just because you hate your job, it doesn’t guarantee that you hate all jobs. There are many opportunities with flex-time and relaxed work environments, where you can enjoy some of the freedom of self-employment, without the added responsibility.

If you can, it’s best to start your business while you still have your job. You can work evenings and weekends while your business gets started, and ditch the job only after your business income is greater than your salary.

So, how can you possibly make as much money part-time as you can working as an employee full time for someone else?

It’s actually fairly simple. Skip option two (Self-Employment) and move right into option three—Business Ownership.

The reason most people have to work so hard in their business is because they are Self-Employed. They are the ones producing the product or service in their business. The problem with this is that they are limited to how much time they can personally put into their business.

If your business does not operate without you doing the work, it’s very difficult to transition out of the role of Employee. And if you do, you will probably find that you work much harder when you are Self-Employed than you ever did as an employee. Not only are you doing the production work, you are also in charge of administration, marketing, finances, and even making sure there is coffee for the coffeepot.

Consider starting a business that does not rely on you to perform the work. You could sell a product by mail order, and outsource fulfillment services. Or start a service business like cleaning or lawn care, where you hire staff to perform the work.

Granted, you should ideally have a work environment that allows you to take care of your business occasionally during work hours. You could also work with a partner, so you can share the responsibility, and cover for each other when necessary.

You could also create an internet business, and automate many of your activities with technology.

Be creative. Rather than dumping your stable income, figure out a way to “test the waters” before committing full time.

In addition to keeping a steady paycheck, you also benefit by being forced to systematize your business from Day One.

One of the biggest challenges startup business owners have is transitioning out of “doing everything”. They limit their business to only being able to perform what they can get done, and end up exhausted and frustrated.

If you transition, you’ll be forced to put systems in place that allow your startup business to work without you. Your role can be limited to guiding and directing you business, which is the true role of the business owner.


Is Your Phone The Best Smartphone For Business Security?

Why Apple Makes The Most Secure Smartphones To Protect Your Business

Like most people, you’re probably overly busy and overly interconnected online. It’s been said many times over that it’s a busy, busy world. If you’ve been shopping around for a new phone, or recently purchased one, you know how much you rely on it. You’ve invested a ton of time finding the best smartphone for business needs; you’ve spent some large amounts of money on the phone and data plan.

So do you know how vulnerable it may be?

With the recent release of HBO’s documentary ‘citizenfour’, truth is, all our data that’s online is susceptible to being hacked or found out in some way. So whether you are looking for the best smartphone for business or personal use, you need to know that it is vulnerable to being hacked in one way or another.

Look, technology is an awesome resource for all of us. It keeps us connected to each other and the world around us. But in George Orwell’s prescient novel, “1984”, he warns the reader of an age that is always interconnected and constantly monitored.

Truthfully, we live in an age that was once only considered the realm of fiction not too long ago. But with anything in our connected world, the more mobile we allow our personal information to become, the greater the security risk.

Whether it’s the best smartphone on the market, a new laptop or even your TV, there are a number of risks that can expose us all.

You need to be aware of the potential risks and understand what information is vulnerable.

So before you purchase a phone or use it in any way, you need to understand that it may be at risk. Once you understand that, next you need to decide what is the most acceptable information you’re willing to expose to a potential hacker, to other corporations and governments before you can finally enjoy your device.

Like A Leak In The Dam, Don’t Just Poke More Fingers Into The Holes

For every malware and Trojan horse, they develop different security patches and types of code to protect and encrypt our most sensitive data. With modern technology, we’ve placed a wealth of information and personal data online. Often we have access to birth dates and Social Security numbers linked with banking account info all on our phones. Sensitive information that we have to protect and so we buy software that helps keep that information safe.

So What Type Of Smartphone Is The Best? We Believe It’s Made By Apple, Here’s Why…

When you’re shopping for a new phone, especially one that you need for storing sensitive personal or private information, look for one with a proven track record of being secure. In other words, look for a phone company that has a history of keeping data secure.

With that in mind, we believe that Apple is arguably the most secure of all devices and best smartphone for business.


For starters, it comes with a suite of the best productivity apps for their iPhone brand. These Apps come installed on any new iPhone and include their outstanding Apps such as Pages for documents, Numbers for spreadsheets, and Keynote for presentations among others. These are all built and developed by Apple, and you can use just these productivity apps safely and securely for all your business needs if you so choose.

And part of the strength that Apple has over their competitors is that they build these devices in a vertical manner. That means they control all aspects of their iPhones, from hardware to software development, and this allows Apple to control accessibility to their devices. Their only weakness is that they do allow third-party access to their App marketplace.

This accessibility is different then all Android and Windows phones that are heavy on third-party integration for their Apps. Whereas the Android and Windows strategy allows for a wider selection of Apps to choose for your phone. But by the sheer number of developers with access, it also means more vulnerability to hacking.

If you plan on storing any sensitive information, from personal or corporate, choosing the best smartphone for business should also weigh the importance of keeping that data secure. The trick is to find ways to protect what matters most. Whether it’s personal information or corporate plans, finding the best smartphone for business is only one part of a larger challenge. In other words, we buy these amazing devices and tools to help us, and we should have faith that the information we store on them is secure.

For that purpose, its pretty obvious that the vertical integration that defines the way Apple produces their iPhones makes them the most secure.

Knowing What Is At Risk Helps You Understand The Importance Of Online Security

The recent HBO documentary “citizenfour” that centered on the data breaches as detailed by Edward Snowden show how much our online presence is more open and available then we may have thought. Recently we saw this in real-time as there was a huge breach in celebrity phones having their pictures released online.

So unless you’re a Luddite planning on using only handwritten letters, notes and spreadsheets for your business, finding security for that information is important. So when you’re researching what is the best smartphone for business, keep in mind that once you post information online, it’s vulnerable.

It isn’t as if we’re under constant surveillance; that at any giving moment there’s to be a knock at the door, and you’re under arrest by Orwell’s “thought police”. The threat is more about sensitive information being released and shared with others that you may not want having access.

Be aware of the risks, and you should be able to find the right phone for your specific needs. By knowing that a vertically integrated company such as Apple can limit the amount of access to their software, making their phones more secure, it’s pretty obvious what is the best smartphone for your business.


Top 2 Reasons For Business Loan Denials

For the previous five years, there has been an increase in commercial financing sources in the US. Specifically, there has been a proliferation in the alternative lending market that fills the need of business owners that do not have the credit (personal or business) or operating capacity to gain approval for traditional bank financing. Although helpful for the short-term, many of these alternative lending sources “trap” business owners into loan structures with high payoffs and abnormally high interest rates. These two factors often cause the firm more harm than anticipated by restricting and sometimes significantly decreasing free cash flow. Traditional bank financing is still the best option for business owners due to the low-cost of the money and the flexibility for mitigating issues with repayment and payoff. In this article, we will focus on the Top 2 Reasons for Business Loan Denials in order to equip business owners with the information to produce and present business loan proposals that are concise, relevant, and factual.

(1) Unresolved Personal and Business Credit Profile (High Credit Risk)

Most business owners and individuals do not have a solid understanding of their credit profiles. Although banks have become more proprietary in their credit risk rating systems, the foundation still remains the credit report for both consumers and businesses. It’s not only enough to know your credit profile, but you must also have valid explanations for any issues reported. Ideally, you want to resolve as much as possible these issues before submitting your business loan proposal.

Your personal and business credit profile also presents a pattern of repayment for the lender and represents a key component of approving the business loan. If the credit reports show a pattern of non repayment or not paying as agreed mostly, then the chances of a business loan denial are fairly high. One way to improve your repayment pattern is to either close unused or unnecessary credit lines or decrease existing credit amounts like credit cards or open lines of credit where applicable.

(2) No Business Plan Equals No Proof (High Management Risk)

Lenders like to see that business owners are organized and focused in their business, and a great way to disclose this is to present a solid business plan. This plan should highlight in the Executive Summary your business goals especially those that include the proposed loan. Many times loan proposals consist of a phone call or brief conversation with the lender with nothing in writing. Always provide the lender with a brief write-up either disclosing the loan opportunity or a business plan that includes an explanation of how the loan proceeds are utilized and repaid.

Also, describe the opportunity to obtain financing as a means to an end. In the past, I’ve experienced how entrepreneurs only offered plans disclosing how and why the financing was needed without going into much disclosure of anything else. In order to improve your chances of receiving approval, give the banker a full picture of the financing’s impact for both the short and long-term.

jerichobizfinance.com is an online platform that specializes in providing expert level advice and guidance to the micro entrepreneur in the areas of accounting / finance, operations, management, sales and marketing, human resources, and lending in order to help grow your business and maximize your cash flow.


Five Excellent Reasons to Get the Very Best First Aid for Business Training You Can Find

Luckily, a growing number of competent and prominent organisations are starting to realise the value of protecting their workforce with well trained, self assured first aiders. They are realising how crucial it is that staff members can easily obtain speedy, life saving help in the event of any accidental injury in the workplace.

It’s not only about keeping your employees safe at work. Your business bank balance may very well be much rosier if you employ the right first aid teaching organization from the start. Not only do you have the potential for litigation, but the simple fact that employees may be off work sick for unnecessary extended periods means they’re unproductive and still costing you a daily salary.

The better the training new first aiders receive at the start, the more likely it is that they’re going to be competent when called upon. Treating common accidents such as sprained wrists or twisted ankles incorrectly can potentially mean your employee is off work for up to 6 weeks! An exceptional first aider, trained by an extraordinary organization, can reduce recovery periods significantly.

That means that significant amounts of man hours can be saved for the cost of just a few days quality instruction.

So, on to the list…

1.) Save Lives and Reduce Rehabilitation Times

Obviously, saving the life of a friend or colleague is the greatest thing a first aider can do. Your colleagues aren’t just your workmates – they’re your friends. Please don’t think I’m scare mongering here – I’m really not. As a paramedic I can say from first hand experience just how beneficial having a first hander on hand really is. Of course, they need both the right technique and the confidence to use it in order to keep the affected person alive long enough for the ambulance to arrive.

Acting without delay is a result of the peace of mind gained from using the right training company. It is no good employing trainers with no real experience in emergency medicine – they need the experience of handling real life emergencies themselves. It is this exposure that rubs off on the students they are teaching, allowing their knowledge of the materials and techniques to really leave an impression on the student. The greatest trainers originate directly from the field in wich they’re now teaching.

2.) Save Money

Less time away from work means your employees are both producing revenue for you and not costing you in sick pay. Prevent a one day injury from turning in to six week absence by safeguarding them from getting worsened through the process of substandard first-aid. Dealing with an accident in the correct way from the start could very well decrease recovery time and reduce the severity of the actual injury. Additionally, you could help prevent lasting issues developing that demand pricey health care and prolonged treatment methods.

3.) Lower The Likelihood of Suit

With a world revolving around payouts for every minor trip, slip and fall don’t allow your business to be blamed for not properly protecting staff in the eventuality of an accident or severe illness. Lawyers may well attempt to latch on to any failing they can find. Plug the gaps by ensuring your staff have the right level of first aid training required for the type of business you run.

4.) Conform Entirely with Health and Safety Prerequisites

The Health & Safety Executive (HSE) operate in part to make sure companies give the right first aid cover for their business. They identify specific considerations with regards to the size and kind of the company, the type of business they run and the potential hazards that employees may face. Their advice is concise and can easily be complied with.

5.) Peace of Mind for You, Your Staff and Your Customers

Knowing an effective first aider is around in case of an emergency will allow employees to carry out their duties more efficiently. ‘What ifs’ can cause seriously adverse productivity in those staff members who work in a hazardous environment such as warehousing or plant. Additionally, experience of a colleague having an injury then receiving no immediate aid can install an underlying fear of being at work. Good, quality first aid training will allow responders to follow simple and proven steps. This gives massive assurance that the measures they will take are suitable and advantageous to the victim.


How Crowdfunding Can Help Pay Medical Bills

Crowdfunding can help pay for medical bills… it really is that simple. You can crowdfund for just about anything, including medical bills. Many times people are placed in a medical crisis and aren’t sure where to turn. Medical bills can accumulate in no time and medical bankruptcy is a real thing. You’d be amazed by how many people in “your own crowd” are willing to help.

In a study published in January 2014 from the Center For Disease Control (CDC), one in four families experienced financial burdens of medical care.

This “financial burden” of medical care equates to medical bills that they can’t currently pay and are forced to pay monthly over time.

This study goes on to share that families with lower incomes were more likely to experience the financial burdens of medical care. Those families with incomes at or below 250% of the federal poverty level had the highest levels of any financial burden of medical care.

250% of the federal poverty level (based on guidelines for 2013) means that a family of four with an annual income of $58,875 or lower were at the highest level of the population feeling the financial burden of medical care for a loved one. That’s our middle class America. Those are the families living paycheck to paycheck and not prepared for a medical crisis.

The is a baby with his eyes closed and an oxygen canula in his nose. He was born with a bad heart, a weak immune system, and problems eating which caused a condition labeled by doctors as “failure to thrive”. Isaac spent the first year of his life in and out of hospitals in Las Vegas and at Stanford where he underwent multiple heart catheterizations and procedures, open heart surgeries, and had a feeding tube placed surgically to ensure he received the proper amount of nutrients. Isaac’s family had great insurance, covering 80% of all medical costs. But, they still spent over $100,000 out-of-pocket the first year of his life in deductibles and medical related expenses.

Shocking… right?

I know… My name is Kathy, and I’m Isaac’s mom.

I remember people asking us if they could have fundraisers for us, give us money… they would offer to do anything just to help. At that time, I could not have imagined the costs that we would incur, nor could I imagine all the things that insurance doesn’t cover. You assume that you pay for insurance, you’ll have a deductible… The End.

If that were only so.

Words of Advice:

Start a Crowdfunding Campaign Immediately

Don’t be too humble to let other people offer to help you. You really can’t imagine the costs of things in the medical world and how they add up. It is TOO hard to think about money when you’re talking about the healthcare of someone you love. You want anything and everything done… you’ll worry about the bills later.

From a Mom that’s Been There

Don’t expect the people in the middle of a medical crisis to be thinking clearly (well, I sure wasn’t). If you’re related to the family or just a loving friend… talk to them about the medical bills and the reality of the situation. Talk with them about what they need now and what their needs may be in the future and help them come up with a budget and plan to get everything their loved one needs. From bills, equipment, therapy sessions… even therapy dogs, all these things can be a necessity now or in the future.

How exactly will crowdfunding help pay my medical bills?

Well, they can’t send a check to the hospital for you, but they can offer you a platform that will help you tell your story as well as share it with your friends and family. The right crowdfunding platform will provide support for you all along the way, from guidance writing your story, picking pictures to post, sharing on the social media channels, and even help writing press releases to get national exposure.

Crowdfunding can help you pay for your medical bills by allowing YOU to take care of your family and letting your “crowd” help YOU. Donations will be made by people you have inspired and want to help you. These people will have a platform to donate to you on their schedule and an amount that is within their means. They will be assured that the funds are going directly to YOU and not an anonymous organization.

You are not alone in your medical crisis. Crowdfunding is a viable source for helping to pay for medical bills and other medical related necessities.

The Process of Car Repossession – Understand It So It Doesn’t Happen to You

In a perfect world, things would always go as they should.

Sometimes that’s just not the case.

If you’ve found yourself in a bind or on the verge of falling behind on your payments. The best thing to do is contact your credit card, mortgage or auto loan companies and explain your situation.

Take action

If you have a car loan, you understand the importance of paying your loan on time. If you cannot make your payments on the exact due date.

You are granted a 30-day grace period to make a payment without having this late reported to the credit bureaus.

If you don’t think you’ll be able to make a payment before the 30-day grace period ends or foresee yourself being in a bind that will last longer than 30 days, there is something you should know.

Ignoring calls from your creditor is the wrong route to go.

*While you may feel embarrassed or reluctant to contact your creditor, you are not alone. Thousands of people fall behind on their payments due to financial hardships. The person on the other end of the phone is trained to handle these types of calls and will be more than willing to help you the best way they can.

What should you do?

Most car loans have a stipulation that allows you to defer your payments for a short amount of time while you get your finances situated. Other options besides deferment might be offered such as lower payments until you can make the full payment.

Your options will depend on your specific car loan and terms agreed upon at the time of sale.

If you are currently in good standing:

Call your creditor and explain that you’ve had some setbacks and ask about your options to defer your loan payment until you can make payments. This will usually give you about 2 months to catch up.

If you are currently not in good standing(late beyond 30 days):

Call your creditor back and explain that you’ve had some setbacks and would like to make a plan to catch up on your payments or defer a future payment. Ask about your options to defer your loan payment until you can make a payment. You will usually be asked to make your account at least current up to 30 days before a deferral can be granted.

How will this help you?

Car repossession doesn’t end well for anyone. Not you and certainly not your creditor. Once a car is repossessed, it is usually sold at an auction for a fraction of the cost. This is a lose-lose situation for everyone.

While your loan is in deferment you will not be reported late to the credit bureau as you have made an agreement with the company to pay at a later date.

The downside to this, of course, is that your loan agreement will be extended and you will end up paying more interest in the long run. This is, however, a better alternative to having your vehicle taken.

When can your car be repossessed?

It all depends on the specific car loan you have in place. You are usually considered in default of your loan agreement as soon as you miss a payment.

With that being said, you are granted a 30-day grace period. Some states allow cars to be repossessed after one missed payment. The longer you take to make your payment is one step closer to having your car taken and a serious ding on your credit report.

A repossession will remain on your credit for up to 7 years and hurt your chances of obtaining other car loans in the near future. Even after a repossession, you may still owe the difference between what you owed your lender and what your car was sold for. This is called a deficiency balance. A deficiency balance is usually the norm especially if you purchased a newer vehicle.

Please note that these options are for those experiencing temporary hardships. It is not recommended for long-term foreseeable situations.

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